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What is the Floor Clause (Clausula suelo in Spanish)?

February 9, 2016

The Floor Clause is a limitation to the lowering interest rate on the Spanish mortgage loan with a variable interest rate. The term “floor clause” does not feature in the mortgage deed but does so in the text, which defines the scope. For this reason there are a lot of people who did not know […]

Living Wills in Spain

February 9, 2016

Spain is home to one of the biggest expatriate communities in Europe, many of whom are property owners of retirement age. While it is common knowledge that foreign property owners ought to make a separate Spanish Will for their Spanish assets, this being a topic discussed in previous articles, many people are unaware of the […]

Is your tenant not paying his rent?

February 9, 2016

Nowadays it is quite common to find the situation where you are renting your property out, but the tenant does not pay the rent on time and ens up owing a substantial amount of rent. The first matter to take into account is that the landlord does not have the legal duty to bear non-payment […]

When and how should I pay tax on capital transfers?

February 9, 2016

One of the most discussed issues when buying property in Spain is the amount of taxes this process involves. In general, regardless of the purpose for purchasing the property, one of the taxes to payable is the tax on capital transfers. If you are an individual and are buying a second-hand housing you must pay […]

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